Average insurance rates across 55 cities in Iowa
| City | Population | Home /yr | Auto /yr | Health | Renters |
|---|---|---|---|---|---|
| Des Moines | 214,237 | $1,691 | $1,246 | $521/mo | $13/mo |
| Cedar Rapids | 137,710 | $1,653 | $1,218 | $520/mo | $13/mo |
| Iowa City | 130,736 | $1,653 | $1,218 | $520/mo | $13/mo |
| Waterloo | 112,333 | $1,653 | $1,218 | $520/mo | $13/mo |
| Sioux City | 111,361 | $1,653 | $1,218 | $520/mo | $13/mo |
| Davenport | 101,724 | $1,615 | $1,190 | $518/mo | $13/mo |
| West Des Moines | 68,744 | $1,653 | $1,218 | $520/mo | $13/mo |
| Dubuque | 68,601 | $1,653 | $1,218 | $520/mo | $13/mo |
| Ankeny | 68,392 | $1,653 | $1,218 | $520/mo | $13/mo |
| Ames | 66,729 | $1,653 | $1,218 | $520/mo | $13/mo |
| Council Bluffs | 62,670 | $1,653 | $1,218 | $520/mo | $13/mo |
| Urbandale | 45,591 | $1,653 | $1,218 | $520/mo | $13/mo |
| Marion | 41,401 | $1,653 | $1,218 | $520/mo | $13/mo |
| Cedar Falls | 40,686 | $1,653 | $1,218 | $520/mo | $13/mo |
| Bettendorf | 38,997 | $1,653 | $1,218 | $520/mo | $13/mo |
Iowa residents pay an average of $1,900 per year for home insurance and $1,400 for auto insurance. Iowa follows an at-fault insurance system, meaning the driver who caused the accident is responsible for damages. The minimum auto liability coverage required is 20/40/15.
Health insurance in Iowa averages $530 per month for an individual Silver marketplace plan. The weather risk level is high, with tornado activity affecting premiums. Top insurance providers in Iowa include State Farm, Farm Bureau Financial, Grinnell Mutual.
The average home insurance cost in Iowa is $1,900 per year. Rates range from $1,200 to $2,700 depending on home value, location, and coverage level.
Auto insurance in Iowa averages $1,400 per year for full coverage. The state minimum coverage is 20/40/15.
Iowa has moderate insurance costs, with home insurance at $1,900/yr and auto at $1,400/yr compared to national averages of $2,300 and $1,800 respectively.
Iowa requires minimum liability coverage of 20/40/15 (bodily injury per person / per accident / property damage in thousands). It follows an at-fault system.
Last updated: March 2026. Insurance cost estimates are averages for informational purposes.